Lonestranger,
Congrats on An excellent and well thought out response to the earlier post.
Well said, my friend! though I doubt that poster understood half of what you said....
Get off of welfare, disability, and your momma's SSI, and then you can tell us to pay the bills. Since my tax dollars bought your computer, and pay for your internet, please sign off now. Next time you want to judge, look in the mirror and remember you are lazy, and haven't worked in 15 years.
That wasnt very nice
You must be one of 'them'.
A very useless post that contributes ZERO to the subject discussion as does this post. "You people"? Sounds somewhat like a term one might use if afflicted by NPD.(a medical term), look it up.
Always communicate in writing about debts, overcharges, packages not yours, etc. In today's world of, voice messages and faxes, emails, etc. some get lost or ignored.
Even written correspondence might get lost or wind up in "File 13" due to overworked employees. Keep writing, attach a copy of every letter sent to the you and yourr responses, all of them.
No action or resolution? Start making the CEO or President of the company a recipient of each response. Put on your letter after your signature the "CC: CEO------------" Using the company name and the CEO's name/address. Employees do not like calls from the "top" any more than the "top" likes to get customer complaints.
Still no response? Put it all on "YouTube" after fair warning to the company about your problem. But, do not put individual names on "YouTube.
USE YOUR OLD NAME! Actually, the Statute of Llimitations (SOL) for most debt is either 3, 4, or 6 years after the date of last transaction or payment, depending on your state law or the state where you lived when the original debt was was incurred and first became delinquent. Unless you acknowledge the debt from a new state of residence by voice or mail.
The SOL protects you from any lawsuits or legal action after the "SOL". Using your married name is not recommended, it's just more info they do not need. Always refer to debt as "alleged debt" otherwise you may start the SOL again if you acknowledge or even pay 1.00. NCO is made up of several companies and they are very sneaky and nasty. Tell them to cease and desist, which is your right, and they then start sending you mail from another of their NCO company names. "Cease and Desist" letter again
Do not discuss by phone or provide ANY info. They should already have that, if not they are behind on the battle. Most calls to debtors from collection agencies are recorded, with or without your permission. Legal or not! I will never answer a question or affirmation in a phone conversation with "YES" unless I know the company (bank, telemarketer,etc)_ and it's about something I am inquiring about that needs a YES. Say Yes at the wrong time with the wrong people and that can be manipulated and used to make a tape that seemingly makes you agree to something you did not want to agree to, buy, etc. Best to avoid conversation you do not control from the beginning.
The STATUTE OF LIMITATIONS has expired on this debt. If they file a lawsuit, you can file a written answer using the statute of limitations as an affirmative defense against the lawsuit.
But it doesn't stop them from calling you on the phone. To get them to stop calling you, simply send them a CEASE AND DESIST COMMUNICATIONS LETTER in the mail. All you have to say in the letter is this: "In accordance with the Fair Debt Collection Practices Act, I demand that you cease and desist from any communication with me." Once they get that, they will usually stop calling you.
Hello Lone Stranger
Your post was very eloquent, extremely insightful and spoken like a true gentleman or lady. I admire your patience, for I could not have behaved as calmly. NO PERSON could add or take away from it because of it's complex, yet simplistic message. It was brilliant. Thank you for your reply, it was truely an inspiration.
One other thought on the table, getting back to the original topic, is that any aged Sears debt should be questioned on principle. Several years ago Sears spent about 18 months shopping around its distressed credit division, before Citi Group took pity and bought it. The Sears debt portfolio was killing its share price, being so full of chargeoffs and sloppy errors as to thoroughly hide the junk accounts from the legit.
One of those junk debt accounts was my own, created soon after Sears bungled an item return and refused to make any correction. It was two years and several abusive collectors before the matter folded, without payment from me, natch. I have a hard time believing mine was a rare sort of case.
As others have expressed in this thread, the debt problem begins with the careless lenders, and then is handed to scofflaw collectors, guilty of fraud and crime far above what penny-ante debtors are capable of.
Dude listen to yourself, It sounds like your one of those bill collectors. Sometimes people make mistake's and can not pay there bills because of a unforseen situation like a sudden loss of job, divorce,accident,or a thousand other possibilities.The Government made rules of consumer credit protection to protect us, Because the debt collectors are unreasonable and sometimes overly aggressive. And what is your address I will come over and take your stuff and wait for 15 years,then drop it back off. You will undoubtedly not want it back unless it is art,jewlery or valuables, But if it's stuff from Sears like you said. You would not want a 15 year old camera,TV,electronics or clothes, NCO financial is a Scam they buy peoples names and the amount that they owe for pennies on the dollar. Then they add on interest and there fees, there crooks.
Yeah, your the type of person I want to converse with when it comes to right and wrong. Your use of expletives shows you have a lack of education and will not amount to anything in life
have you ever read what the Bible has to say about debt? It also has a verse, but for the grace of God, there goeth I. I truly feel pity for you.
It doesn't matter what your opinions are. The fact is the law is the law, and after the statute of limitations runs out, no collection efforts are valid. If you don't like it, get the law changed.
Your logic is flawed. There are statutes of limitations even on violent crimes. These laws exist for a reason. So stop your whining.
Reply to topic